help. the cia, the nsa, the department of defense, they know it's at the border sometimes come and we don't. so, the businesses have to work together in this to protect the american public so that we can stop cybercrime. but it's a big deal and it is going to get worse. computers and ten years would be faster and the calculations would get through quicker to meet that in every way, shape and form. the banks are pretty good at this. they wouldn't do this along time and all of the rules and regulations, but how many of you worry about that? it's the ciders to becoming over the internet. everything we do we know more about some of that stuff and you think but think of the person that knows your company from inside. that's what we are going to get. so. >> thank you for that reassuring point. there is a young lady in the second to the last row. >> how do you protect yourself from any one individual getting access. >> daniel douglas from the washington post. many of the rules under dodd-frank have to be written, so i'm wondering how much of an impact is the current regulatory environment ha